Sandia Wealth Management LLC

5. FEES AND COMPENSATION
     A. PORTFOLIO MANAGEMENT SERVICES
We charge an annual management fee based on a percentage of assets under management. The
maximum annual management fee is up to 1.00%. Our management fee is negotiable based on
the size of our client’s account and is calculated and collected quarterly in advance.
Under New Mexico law, New Mexico Gross Receipts Tax applies to receipts from certain
services performed in New Mexico, including investment advisory services. It is permissible
and customary for service providers subject to the tax to pass the tax on to their customers. To
the extent that advisory services provided to our clients are subject to New Mexico Gross
Receipts tax, we pass that tax on to the client. We provide a fee invoice that details the amount
of the client’s management fees and Gross Receipts Tax for each billing period through our
online secure portal.
The management fee will be calculated on the Account’s previous quarter’s ending balance as
reported by the Account’s custodian. The fees are negotiable. Because we charge in advance, any
client that terminates their contract within a quarter will receive a prorated refund of fees that is
based on the amount of time elapsed during the quarter. Cash balances and investments in
money market funds are covered by the Account and are included in the fee calculations.
Additionally, our fees do not cover of brokerage commissions, transaction fees, and other related
costs and expenses that are incurred by the client. Clients may incur certain charges imposed by
custodians, brokers, third party investment and other third parties such as fees charged by
managers, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire
transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. Mutual funds and exchange traded funds also charge internal management fees,
which are disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of
and in addition to our fees. For more information about our brokerage practice please see Item
12.A.
If the client did not receive a copy of this ADV Part 2A at least 48 hours prior to signing our
Investment Management Agreement, the client will have five (5) business days within which the
agreement may terminated without cost or penalty. Thereafter, the contract may be terminated at
any time by giving ten (10) days written notice. Upon termination, fees will be prorated for the
number of days that services were rendered on the Account’s valuation as of the termination
date.

Sandia Wealth Management, LLC                  Page 5                        ADV Part 2A – 2/20/2026

       B. FINANCIAL PLANNING
We charge an hourly rate of $175 per hour for consulting services with a minimum of 2 hours
per engagement. The fees are negotiable. The number of hours will vary depending upon the
complexity of the client’s financial situation and the preparation and research required to address
the client’s financial issues and concerns. The estimated number of hours required, and the fee
will be set forth in the Financial Planning Agreement. Hourly fees for consulting services are
agreed upon in advance in writing and due upon the signing of the Financial Planning
Agreement. For prepaid fees in excess of $500.00, services will be completed within six months
of the date fees are received.
If the client did not receive a copy of this ADV Part 2A at least 48 hours prior to signing our
Financial Planning Agreement, the client will have five (5) business days within which the
agreement may terminated without cost or penalty. After five (5) days if a client cancels, any
prepaid fees will be refunded on a prorated basis based upon the number of hours worked.

7. TYPES OF CLIENTS
We offer our services to individuals, pension and profit-sharing plans, trusts, and estates. We
require a minimum account size of $100,000 for our portfolio management services. We may
aggregate related accounts in the same household to met account minimums. Also, account
minimums may be negotiated, reduced or waived at our discretion.